BBA has responded to FSA's discussion paper on consumer responsibility. It sets out its views on why consumers tend to rely on remedies after the event to deal with financial services problems. It says there is little or no articulation of consumer responsibilities, but there are areas where it is reasonable to expect them to assume some. But where there are responsibilities on consumers, these must be clear so consumers can easily tell whether firms have met their own responsibilities to consumers. BBA supports FSA's differentiated approach that depends on the capability of the consumer and the relevant context.